Eddge Mortgages Limited

Reference number: 920414

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

PIVOTAL FINANCIAL LIMITED Reference number: 665649 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Eddge Mortgages Limited (FRN 920414) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Eddge Mortgages's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Eddge Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When eddge.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7933 9600 is, and the 2 other firms that give it
  • Who else gives the postcode EC2A 2BS
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Eddge Trading name
  • John Charcol Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Pivotal Financial Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

  • Confirmation statement is overdue at Companies House.
Company number
11998366
Company status
Active
Company type
Private limited company
Incorporated
15 May 2019 (7 years old)
Registered office
Ashdon House Second Floor, Moon Lane, Barnet, Hertfordshire, EN5 5YL, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Elliot Marcus Nathan Director Dec 1973 15 May 2019 2 other companies
Darryl Scott Plummer Director May 1972 15 May 2019 None
Darren Small Director Jan 1972 15 May 2019 None
Alison Jane Plummer Director Oct 1971 6 Apr 2022 1 other company
Zoe Louise Small Director Nov 1971 6 Apr 2022 1 other company
Mark James Staplehurst Director Sep 1978 1 Jul 2026 2 other companies

Other companies run by these 6 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
5
closed down
4
is FCA-registered
1

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 6 directors run together
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£576k

−1.6% from £586k

Cash at bank

£730k

−1.6% from £742k

Employees (average)

13

+18% from 11

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11998366. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Eddge Mortgages’s history from the FCA register and Companies House, newest first.

Key events (7) All events (15)

2022

15 September 2022

  • Darren Small stopped being a part-owner
  • Darryl Scott Plummer stopped being a part-owner

Companies House

2020

30 January 2020

  • Became an appointed representative

FCA register

2019

15 May 2019

  • Incorporated at Companies House
  • Darren Small became a part-owner (25–50% of shares)
  • Darryl Scott Plummer became a part-owner (25–50% of shares)
  • Elliot Marcus Nathan became a part-owner (25–50% of shares)

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Eddge Mortgages

Other FCA-listed firms that share a director, phone number or address with Eddge Mortgages. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share a director
1
share its phone number
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Eddge Mortgages

Other firms of the same type (mortgage adviser or broker), nearest first.

In London

Purplebricks Mortgages LimitedLondonAppointed representativeDavid RounsfellLondonAppointed representativeEma Private Finance LimitedLondonAppointed representativeHarris ZubairLondonAppointed representativeHeather MaCaskillLondonAppointed representativeLawrence BolarinwaLondonAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Eddge Mortgages

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 15 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Eddge Mortgages Limited FCA authorised?
Eddge Mortgages Limited (FRN 920414) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Eddge Mortgages?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Eddge Mortgages Limited (FRN 920414) is an AR of PIVOTAL FINANCIAL LIMITED (FRN 665649). When you use Eddge Mortgages's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Eddge Mortgages, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Eddge Mortgages’ phone number and website?
The FCA register lists the phone number 020 7933 9600 and the website eddge.co.uk for Eddge Mortgages. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Eddge Mortgages a scam or clone?
Eddge Mortgages is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Eddge Mortgages?
Protection works through Pivotal Financial Limited, the principal firm responsible for Eddge Mortgages's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Eddge Mortgages?
Companies House lists one person with significant control of Eddge Mortgages: Mr Elliot Marcus Nathan (25–50% of shares). Before that, it was controlled by Darren Small and Mr Darryl Scott Plummer.
Who runs Eddge Mortgages?
Companies House lists 6 directors of Eddge Mortgages: Elliot Marcus Nathan, Darryl Scott Plummer, Darren Small, Alison Jane Plummer, Zoe Louise Small and Mark James Staplehurst.
How long has Eddge Mortgages been in business?
The company was formed on 15 May 2019.
What do Eddge Mortgages’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £576k (−1.6% from £586k) and cash at bank of £730k (−1.6% from £742k).
Does Eddge Mortgages use any other names?
It trades as Eddge and John Charcol.

Sources and links

The full report on Eddge Mortgages Limited

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